Last Updated: 01/21/2026
First Citizens Bank Prestige Checking Account
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in Checking Accounts from First Citizens Bank
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
Monthly Service Fee
$0 - $25(Verified 01/21/2026)
First Citizens Bank Prestige Checking Account Review
The First Citizens Bank Prestige Checking Account is offered by First Citizens Bank, a bank founded in 1898 and based in Raleigh, NC. First Citizens Bank Prestige Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- $0 monthly account fees available. This account charges a monthly fee of up to $25.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. First Citizens Bank Prestige Checking Account does not charge fees on ATM transactions within its network but there is a fee of $3.00 for out-of-network ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in First Citizens Bank mobile or online banking.
First Citizens Bank Prestige Checking Account Pros & Cons
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First Citizens Bank Prestige Checking Account FAQ
Are checking accounts from First Citizens Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does First Citizens Bank Prestige Checking Account offer?
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| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
First Citizens Bank Prestige Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
What are the account minimums for First Citizens Bank Prestige Checking Account?
First Citizens Bank Prestige Checking Account requires a minimum initial deposit of $100.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $25,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does First Citizens Bank Prestige Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does First Citizens Bank Prestige Checking Account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - First Citizens Bank Prestige Checking Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for First Citizens Bank Prestige Checking Account?
The customer support email for First Citizens Bank Prestige Checking Account is fcdirect@firstcitizens.com.
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Hours of Operation
Sunday
7:00AM - 11:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
7:00AM - 11:00PM